Mortgage Tree

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Mortgage Tree

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Mortgage Tree is a Mortgage Brokerage with Strong values and Social responsibility. We are a Residential Mortgage Brokerage Firm.

Mortgage Tree deals with over 30 Lenders and our goal is to obtain the best mortgage for our clients by keeping the process simple and easy. We look forward to working with you on a new purchase, refinance, secondary home, private financing, investment property and more. Mortgage Tree is a proud supporter in giving back to our community to families with disabilities focusing on Autism and Muscular Dystrophy.

10/16/2026

Time is running out to register!

🍷 Great w**e. Big savings. One night only!

Our W**e & Spirits Event is coming up soon, and you won’t want to miss this one.

With up to 60% off w**es, exclusive savings on spirits and a minimum 20% off the ENTIRE STORE, it’s the perfect opportunity to get your holiday entertaining and gift giving sorted early.

Come sample featured w**es, chat with sommeliers, enjoy complimentary charcuterie from The Italian Store and enter to win some great prizes.

📅 Wednesday, October 21 | 6–9 PM�📍 Craft Cellars, 2120–5111 Northland Drive NW

Bring a friend and make a night of it!
Space is limited, so scan the QR code or click the link to RSVP.

https://www.eventbrite.ca/e/mortgage-tree-annual-w**e-event-with-craft-cellars-northland-tickets-2000644633956

**eTasting **e **eLovers

10/14/2026

📉 Variable Rates Are Getting Attention Again, But How Do They Actually Work?

Unlike a fixed mortgage, a variable mortgage rate can change during your term. It’s generally tied to your lender’s prime rate, which is influenced by changes to the Bank of Canada’s policy rate.

So what happens when rates move?

⬇️ Rates fall: Your borrowing cost decreases. Depending on your mortgage, your payment may decrease or more of your payment may go toward principal.

⬆️ Rates rise: Your borrowing cost increases. Your payment may increase, or with some fixed-payment variable mortgages, more of each payment goes toward interest.

The Bank of Canada often adjusts its policy rate in 0.25 percentage-point (25 basis point) increments, although moves can be larger or smaller.

Variable rates are getting more attention as they currently can be priced below some fixed-rate options, and some borrowers value the flexibility of a rate that can move with the market. But that also means accepting the possibility that rates could rise.

🏡 Fixed or variable? Your budget, risk tolerance and future plans all matter.
Talk to our team and we can help you understand the options.
403-479-1134
www.mortgagetree.ca

10/12/2026

🍂 Happy Thanksgiving! 🦃

This Thanksgiving, we’re especially grateful for the wonderful clients, friends, families and communities who continue to put their trust in us.

From all of us at Mortgage Tree, we hope your weekend is filled with good food, great company and plenty to be thankful for.

Happy Thanksgiving from Kent, Troy, Colette and the entire Mortgage Tree team! 🧡🏡

10/09/2026

🌱🏡 What is a Green Mortgage?

A green mortgage is designed to encourage homeowners and buyers to choose energy-efficient homes or make energy-saving improvements to their property.
Depending on the lender and mortgage program, you may be able to access benefits when purchasing an energy-efficient home or completing eligible upgrades such as:

- Better insulation, windows or doors
- High-efficiency heating and cooling systems
- Energy-efficient appliances or equipment
- Solar panels or other renewable-energy upgrades

Why consider it? Energy-efficient improvements can help lower utility costs, improve home comfort and reduce your home’s environmental footprint, while some mortgage programs may offer additional financial incentives.

🌿 Buying, refinancing or planning renovations? Ask us whether there are green mortgage options or incentives that could fit into your financing plan.
403-479-1134
www.mortgagetree.ca

10/07/2026

🍷 Calgary, our W**e & Spirits Event is back!
This could be our BIGGEST SALE YET!

Join Kent, Troy, Colette and the team for a fun evening of great w**e, great company and some incredible savings.

🍷 Up to 60% off w**es
🥃 Exclusive savings on spirits
🛍️ Minimum 20% off the ENTIRE STORE
🍇 W**e samples and a chance to meet sommeliers
🎁 Prizes to be won
🧀 Complimentary charcuterie pairings catered by The Italian Store
📅 Wednesday, October 21 | 6–9 PM
📍 Craft Cellars, 2120–5111 Northland Drive NW

Stock up for the holidays, discover a new favourite or simply come out and enjoy the evening with us!
Space is limited so scan the QR code or click the link to RSVP.
https://www.eventbrite.ca/e/mortgage-tree-annual-w**e-event-with-craft-cellars-northland-tickets-2000644633956

**eTasting **e **eLovers

10/05/2026

💰 October is Financial Planning Month

A strong financial plan isn’t just about saving and investing.

Your mortgage and other debts are important pieces of the picture too.

This month is a good opportunity to take a closer look at your overall finances and ask:

• Is your mortgage still structured to meet your goals?
• Could high-interest debt be costing you more than necessary?
• Are you preparing for an upcoming mortgage renewal?
Could your home equity play a role in your longer-term financial plans?

Small adjustments today can make a meaningful difference over time.
🏡 Your mortgage should work with your financial plan, not separately from it.

If it’s been a while since you reviewed your mortgage strategy, October is a great time to start the conversation. Contact one of our professional advisors to get started:

403-479-1134
www.mortgagetree.ca

10/01/2026

🍷 It’s back, Calgary!

This is shaping up to be our BIGGEST SALE YET!

Our W**e & Spirits Event is returning and it’s the perfect time to stock up before the holiday season!

Enjoy savings of up to 60% on w**es and exclusive savings on spirits PLUS A MINIMUM 20% OFF the ENTIRE STORE!

Meet sommeliers, enter to win prizes, and sample featured w**es and learn a little about the vineyards behind them.

Plus, enjoy complimentary charcuterie pairings catered by The Italian Store.

📅 Wednesday, October 21 | 6–9 PM
📍 Craft Cellars, 2120–5111 Northland Drive NW

Bring your friends, family or co-workers and make an evening of it!

Space is limited, so scan the QR code or click the link below to RSVP.
https://www.eventbrite.ca/e/mortgage-tree-annual-w**e-event-with-craft-cellars-northland-tickets-2000644633956

**eTasting **e **eLovers

09/30/2026

🏡 Your Mortgage Deserves a 5-Year Plan

Getting the mortgage is just the beginning. If you’ve chosen a 5-year term, think about where you’d like to be when renewal time arrives.

Do you want to have more equity? Pay down other debt? Increase your income? Make a lump-sum payment? Move, renovate or invest?

A lot can change in five years - your career, family, finances and even your goals.

Checking in on your mortgage along the way can help you prepare for those changes and put you in a stronger position when it’s time to renew.

Don’t wait for the renewal notice to start thinking about what comes next.

Let’s build a mortgage strategy that looks beyond today.403-479-1134
www.mortgagetree.ca

09/28/2026

House Rich, Cash Poor… What Does That Mean? 🏡💰

Your home may be worth significantly more than you owe on it, which means you've built up equity. But that doesn't necessarily mean you have extra cash available for everyday expenses.

That's where the term “house rich, cash poor” comes from: you have substantial wealth tied up in your home, but your monthly cash flow may still feel tight.

It can happen for all kinds of reasons. Maybe you've owned your home for years and watched its value increase. Maybe you're approaching retirement with a small mortgage, or none at all, but most of your wealth is sitting in your property.

The good news? Home equity may give you options.

Depending on your situation and goals, refinancing, a home equity line of credit or a reverse mortgage could provide access to some of that equity. But accessing equity also means borrowing against your home, so it's important to understand the costs and long-term impact.

Your home isn't just where you live, it may also be one of your biggest financial assets.

Curious what options your home equity could give you? Let's talk.
403-479-1134
www.mortgagetree.ca

09/25/2026

What did your first home cost?

$150,000? $250,000? $400,000?

If you bought your first home in Calgary 10, 20 or 30 years ago, today’s prices might look very different from what you remember!

Home prices have changed dramatically over the years, but so have mortgage rates, incomes, down payment requirements and the options available to buyers.

Take a look at how Calgary home prices have changed over the past 30 years, then tell us:
What year did you buy your first home and what did you pay? 👇

Looking for mortgage advice. Call one of our experienced advisors today!
403-479-1134
www.mortgagetree.ca

Address

#205/1680 40th Avenue SW
Calgary, AB
T2T6T8

Website

http://www.mortgagetree.ca/

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1920, 407 2 Street SW

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